1、FOREIGH LANGUAGE TEACHING AND RESEARCH PRESS AIR FORCE ENGINEERING UNIVERTISYSpend or save The students dilemma12022-11-6A man who both spends and saves money is the happiest man,because he has both enjoyments.Samuel Johnson(English writer)You must learn to save first and spend afterward.John Poole(
2、English playwright)5UNIT22022-11-6 5UNITSpend or save The students dilemmaTo talk about moneyTo further understand the textTo apply the phrases and patternsTo master the essay writing skill32022-11-6ASection Warming-up Activities Text Study Language Application Summary42022-11-6ASectionWarming-up Ac
3、tivities52022-11-61.How to manage money as a college student?Create a strict budget and commit to sticking with it;Prioritize ones finances by identifying the areas in which one need to spend money;Remember to save;Avoid credit cards;62022-11-62.What do college students spend their money on?Tuition
4、and fees;Textbooks or other school supplies;Food and drink;Transportation in the form of bus or train tickets;Electronics,such as laptops and smart phones;Entertainment;72022-11-6Read the following survey questions regarding spending habits of college students.Then check()all the responses that are
5、true for you.82022-11-61.Whats the main source of your daily expenses?From parents From student loan or subsidy From scholarship From part-time job Other(specify)_92022-11-62.How much are your monthly expenses?500 yuan or less 501-800 yuan 801-1,000 yuan 1,001-1,500 yuan Over 1,500 yuan102022-11-63.
6、Do you spend money based on your budget?Always Sometimes Never112022-11-64.What costs most of your money as a college student?Food,clothing and other necessities Books Entertainments Other(specify)_ 122022-11-65.If you have extra money,do you prefer to save it or spend it immediately?Save it Spend i
7、t132022-11-6 In the money markets,businesses governments and sometimes individuals borrow or lend funds for short period of time.Usually 1 to 120 days.US Treasury-bills are the _ money market instrument.They are followed by negotiable certificate deposit and _ paper.Listen to a short passage concern
8、ing money markets and fill in the missing information.To be continueddominantcommercial142022-11-6Listen to a short passage concerning money markets and fill in the missing information.Other money market instruments they are not large in-volume of standing are important in _ market and represent inv
9、est mental ternaries for money market _.It is a closed substitute ability of market instruments,it _ all the money markets.To be continuedrespectiveparticipantslinks152022-11-6distinctivedealers and brokersListen to a short passage concerning money markets and fill in the missing information.The mon
10、ey market consist of collection of markets each trading at _ financial instrument.There is no formal organization such as The New York Stock Exchange for the equity markets.Central activity to the money market are the _ who specializing one or more money market instruments.To be continued162022-11-6
11、Dealers buy securities for the own _ and sell from the security inventers when the trades _.Brokers do not actually buy or sell securities,and they only accentuate the _ transactions at the best possible price.Their profits comes from commissions charged for that services.position take placeclientLi
12、sten to a short passage concerning money markets and fill in the missing information.172022-11-6Questions Previewing1.What does financial literacy refer to?2.In the United States,what does Student Financial Aid refer to?182022-11-61.What does financial literacy refer to?The ability to understand fin
13、ancial matters;The set of skills and knowledge;Allows an individual to make informed and effective decisions through understanding of finances.192022-11-62.In the United States,what does Student Financial Aid refer to?The funding intended to help students pay education expenses including tuition and
14、 fees,room and board,books and supplies,etc.for education at a college,university,or private school.202022-11-6 Text StudyASection212022-11-6 Because when the government encourages people to _ to get out of the recession,they also advice people to_.Similarly,when banks offer higher _ to increase sav
15、ings they send _ to let people spend more.save moreinterest ratesAccording to the writer,why do the messages we get from our environment seem to defy common sense and contradict each other?(Para.1)spend moneycredit card offers 222022-11-6Another familiar example.(Para.2)Dont pay on timeAs soon as we
16、 payCredit Card Bill we get demanding,nasty emails saying:“Your failure to pay is unacceptable.Pay immediately or youll be in trouble!”we get an email in a charming tone telling us how valuable a customer we are and encouraging us to resume spending.232022-11-6We are confused and _ by two contradict
17、ory messages that we get from our environment.The government tells us to _ _.And credit card company also sent us contradictory message:_?Part I (Paras.1-_)2 spend and at the same time they tells us to save more Are we failing consumers or valued customers manipulated242022-11-6Two sets of messages(
18、Paras.3-5)“Upright”message,which urges us,“Work hard and save._.Avoid luxuries._ for more than you truly need.”This message comes to us from_,from_,even from political figures referring to“_”.“Permissive”message,“Buy,spend,get it now.You need this!”,is_.Advertisements _ our daily lives.The essential
19、 message is cemented into our consciousness,“Its good to _.You should have what you want.You deserve the best.So,you should _!”Suspend your desiresControl your appetite schoolparentstraditional valuesinescapableinvadesatisfy your desiresbuy it now252022-11-6Two sets of messages(Paras.3-5)“Upright”me
20、ssage,which urges us,“Work hard and save._.Avoid luxuries._ for more than you truly need.”This message comes to us from_,from_,even from political figures referring to“_”.“Permissive”message,“Buy,spend,get it now.You need this!”,is_.Advertisements _ our daily lives.The essential message is cemented
21、into our consciousness,“Its good to _.You should have what you want.You deserve the best.So,you should _!”Suspend your desiresControl your appetite schoolparentstraditional valuesinescapableinvadesatisfy your desiresbuy it nowWHY?on TV,in movies,on printed media and road signs,in stores,and on busse
22、s,trains and subways.The only time you can escape advertising is when youre in your bed asleep!By the age of 18,the average American will have seen 600,000 ads;by the age of 40,the total is almost one million.262022-11-6What happens as we take in these contradictory but explicit messages?What are th
23、e psychological and social consequences of this campaign to control our spending habits?(Para.6)We want more things because we want to satisfy our material appetite.Most of us derive pleasure from treating ourselves.Watch out,take stock of your life,dont let your attention get scattered.Postpone you
24、r desires.Dont fall into debt.Wait!Retain control over your own life.It will make you stronger.272022-11-6Every day we get two sets of messages at odds with each other.The“_”message urges us to work hard and save,suspend our d e s i r e s,a n d a v o i d l u x u r i e s.T h e _ urge us to spend.the
25、essential message from ads is anyhow _ already.As psychological and social consequences,people get _ with the two contradictory messages.Part II (Paras.3-_)6permissive advertisements cemented into our consciousnessuprightconfused282022-11-6Why should students consider financial well-being as a key i
26、ngredient of university education?(Para.7)Because money worries can make students feel terrible and hinder their ability to focus on their main goal:to successfully complete their education.292022-11-6What can students do to be financially healthy and have no money worries?(Para.8)They can go to:fin
27、ancial literacy classes;schools financial aid office;seek input from parents or other adults;find a partner;ask for help 302022-11-6An educated consumer and saverBalancespending and savingCaptain of your own shipSuccessful and productive directionWhat conclusion can you draw from the text?(Para.9)Le
28、arn to Steer inBecome312022-11-6Part III Paras.7-9Students should learn how to become a smart and _ consumer and how to successfully _,which will help them gain a successful and production life.educatedmanage their finances322022-11-6Were confused and manipulated by two contradictory messages-spend
29、or save?(Para.1)The government tells us to spend more to help end the recession.Banks send credit cards to encourage more spending.They also tell us to save more for our financial well-being.Banks offer higher interest rates to encourage saving more.332022-11-6Example of contradictory messages:a fai
30、ling consumer or a valued customer?(Para.2)If we dont pay our credit card bill,we get nasty emails saying:“Your failure to pay is unacceptable.Pay immediately or you will be in trouble!”As soon as we pay,we get an email in a charming tone,addressing us as valuable customers and encouraging us to res
31、ume spending.342022-11-6The“upright”message urges us to work hard and save,suspend our desires,avoid luxuries,and control our appetite for more than w e t r u l y n e e d.T h i s message comes to us from many sources such as school,parents,and even politicians.(Para.3)The opposite permissive message
32、s to spend are everywhere around us:on TV,road signs,etc.The essential message is c e m e n t e d i n t o o u r consciousness from ads:Its good to satisfy our desires;we deserve what we want and the best we want.(Paras.4-5)352022-11-6The psychological and social consequences of the contradictory mes
33、sage(Para.6)On one hand,we always want more things because we want to satisfy our material appetite.Most of us derive pleasure from treating ourselves.On the other hand,a little voice warns us:watch out,postpone your desires,dont fall into debt,and retain control over your own life.362022-11-6It is
34、important to learn how to balance spending and saving to make your life better.(Para.9)Successfully manage your finances so that you can focus on your primary goal.(Para.7)Advice:attend financial literacy classes,consult with someone to help set up a budget,find a partner to stay on track and get pl
35、easure from administrating your own financial affairs.Most importantly,seek help before your financial problem becomes worse.(Para.8)372022-11-6Spend or save the students dilemma I think that the messages we get from our environment seem to defy _ and contradict each other.The government tells us to
36、 spend and also to _ more.Banks offer higher interest rates so we can increase savings and also send us _ offers so we can spend more.If we dont pay our credit card bill on time,thecommon sensesavecredit cardTo be continued382022-11-6credit card company will warn us.As soon as we pay,the company wil
37、l tell us how _ a customer we are and encourage us to_.We get two sets of messages at _ each other.One is the“permissive”perspective-advertisings permissive message is _;The other is“_”message.What happens as we take in these contradictory but explicit messages?To be continuedvaluable resume spendin
38、godds withuprightinescapable392022-11-6 On one hand,we want more things because we want to satisfy our _.On the other hand,we hope to _ our desires.Anyway,many of the skills you need as a successful student can be applied to your _.Money worries are extremely _ and _.So,how can you be a smart and ed
39、ucated consumer?material appetitepostpone financesstressfuldistractingTo be continued402022-11-6 Consider _ classes or schools financial aid office or seek input in setting up a _.You can also finding a _ to help you stay on track and find _ in the administration.Most i m p o r t a n t l y,d o n t l
40、 e t y o u r e g o _ and urgently get help.As you learn to balance spending and saving,you will have a successful and _ life.financial literacybudgetpartnerpleasureget in your wayproductive412022-11-61.refer to 提到；谈到2.no shortage of 不缺少；不缺乏3.derive sth.from sth.得到，获得（优势或 愉快的感受）4.take in 领会；理解；记住5.ta
41、ke stock(of sth.)（对形势）作出估计 （判断）6.on track 在（可能通向成功的）轨迹上422022-11-6提到；谈到提到；谈到(mention/refer to )Although she didnt mention any names,everyone knew who she was referring to.refer to 短语逆译短语应用尽管她没有提任何人的名字，但大家都知道她指的是谁。意群提示432022-11-6不缺少；不缺乏不缺少；不缺乏(go ahead with/project/no shortage of)You may go ahead wit
42、h the project;there is no shortage of funds.no shortage of短语逆译短语应用你们可以继续进行这个项目，资金并不缺乏。意群提示442022-11-6得到，获得得到，获得 （优（优势或愉快的感受）势或愉快的感受）(derive from/satisfaction/introduction)Many students derived enormous satisfaction from the introduction to art course.derive sth.from sth.短语逆译短语应用许多学生从这门艺术入门课程中得到了巨大的满
43、足。意群提示452022-11-6领会；理解；记住领会；理解；记住It was an interesting exhibition,but there was too much to take in all at once.take in短语逆译短语应用这是一个有趣的展览，但要一下子记住所有的东西太多了。意群提示(exhibition/too much/take in)462022-11-6（对形势）作出估计（判断）（对形势）作出估计（判断）(take stock of/position)We had to take stock of our position before we could
44、decide what to do next.take stock(of sth.)短语逆译短语应用我们在决定下一步做什么以前，必须对我们的处境作出判断。意群提示472022-11-6在（可能通向成功的）在（可能通向成功的）轨迹上轨迹上(run/according to/on track)Everything is running according to our plan,so were still on track for 10%growth.短语逆译短语应用一切都在按照我们的计划进行，所以我们仍有可能达到10%的增长率。意群提示on track482022-11-61.Heres ano
45、ther familiar example:用于列举“人们熟知的事例”。2.Its been calculated that用于引出“有说服力的数据”。3.As sb.learn to do sth.,sb.will do sth.用于表达“某人学会某事就会有所收获”。492022-11-6这里还有一个大家熟悉的例子：如果我们不按时支付信用卡账单，我们会收到从信用卡公司发来类似这样的令人讨厌的催缴账单的电子邮件原句译文原句译文逆译练习逆译练习Heres another familiar example:If we dont pay our credit card bill on time,we
46、 get demanding,nasty emails from the credit card company saying something like句型提炼句型提炼502022-11-6Heres another familiar example:句型提炼句型提炼应用提示应用提示用于列举“人们熟知的事例”。句型句型应用应用512022-11-6(gourmet/be sold on/Peking Duck)典型例句这里还有一个大家熟悉例子:“西方美食家已对北京烤鸭极有兴趣.”意群提示Here is another familiar example:“Western gourmets a
47、re sold on Peking Duck.”522022-11-6据计算，普通的美国人到18岁时，会看过60万个广告。原句译文原句译文逆译练习逆译练习Its been calculated that by the age of 18,the average American will have seen 600,000 ads.句型提炼句型提炼532022-11-6Its been calculated that句型提炼句型提炼应用提示应用提示用于引出“有说服力的数据”。句型应用句型应用542022-11-6(calculate/population/double)典型例句据计算，世界人口
48、在本世纪末将要增加一倍。意群提示Its been calculated that the worlds population will double by the end of the century.552022-11-6学会了如何平衡支出和储蓄，你就会成为你自己的船长，驾驶着你的生活之帆，乘风破浪，驶向成功和富饶。原句译文原句译文逆译练习逆译练习As you learn to balance spending and saving,you will become the captain of your own ship,steering your life in a successful
49、and productive direction through the choppy waters.句型提炼句型提炼562022-11-6As sb.learn to do sth.,sb.will do sth.句型提炼句型提炼应用提示应用提示用于表达“某人学会某事就会有所收获”。句型应用句型应用572022-11-6(dive/appreciate/magnetism/to your heart content)典型例句学会了潜水就会见到海下的美丽景色，尽情领略大海的魅力。意群提示As you learn to dive,you will see the beautiful view u
50、nder the sea,appreciating the magnetism of the sea to your heart content.582022-11-6 艰苦创业，忠于家庭，能推迟欲望是美国价值观的核心，它使我们的国家变得强大。a.Hard work,family loyalty,and the capacity to postpone desires are core American values that have made our country great.(Para.3,L6)592022-11-6我爱自己。我是自己的好朋友。我只做让我感觉舒服的事。我从精美的东西里
